The Granger National Bank in Granger, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The Granger National Bank in Granger, Texas (TX)
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The Granger National Bank - Overview

  • General
  • FDIC Certificate #: 3232
    Status: Active
    Federal Reserve ID: 272151
    Bank Holding Company (Regulatory Top Holder): Granger Bancshares, Inc. (RSSDID: 1137257, Location: Granger, TX)
    Date Established: March 08, 1920
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 2085
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 01, 2010
    Last Structure Change Process Date: June 01, 2010
    Last Data Update: June 01, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 West Davilla, Granger, TX 76530
    County: Williamson
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Austin
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Austin-San Marcos, TX (#640)
    Combined Statistical Area (CSA): Austin-Round Rock-Marble Falls, TX (#126)
    Core Based Statistical Area (CBSA): Austin-Round Rock-San Marcos, TX (#12420)
    CBSA Metro Statistical Area: Austin-Round Rock-San Marcos, TX (#12420)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $29.2 mil
    Equity capital: $4.6 mil
    Deposits held in domestic offices: $24.3 mil
    Return on assets (ROA): 0.73% ($0.2 mil)
    Quarterly return on assets: 0.48% ($0.1 mil)
    Return on Equity (ROE): 4.95% ($0.2 mil)
    Quarterly return on equity: 3.03% ($0.2 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.75% ($219.3 mil)
    Quarterly Pretax return on assets: 0.48% ($140.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 8Total employees (full-time equivalent)
  • $29,237Total assets
  • $5,561Cash and due from depository institutions
  • $4,320Interest-bearing balances
  • $18,105Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $5,245Net loans & leases
  • $215Loan loss allowance
  • $0Trading account assets
  • $42Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $29,237Life insurance assets
  • $284All other assets
  • $24,618Total liabilities and capital
  • $24,292Total liabilities
  • $18,831Total deposits
  • $24,292Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $326Subordinated debt
  • $4,619All other liabilities
  • $4,619Total equity capital
  • $4,619Total bank equity capital
  • $0Perpetual preferred stock
  • $155Common stock
  • $155Surplus
  • $4,309Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $201Long-term assets (5+ years)
  • $27,670Average Assets, year-to-date
  • $15,518Average Assets, quarterly
  • $28,607Volatile liabilities
  • $29,212Insider loans
  • $11,161FHLB advances
  • $29,468Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,017Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,048Total interest income
  • $166Total interest expense
  • $882Net interest income
  • $0Provision for loan and lease losses
  • $133Total noninterest income
  • $0Fiduciary activities
  • $107Service charges on deposit accounts
  • $0Trading account gains & fees
  • $26Additional noninterest income
  • $801Total noninterest expense
  • $441Salaries and employee benefits
  • $43Premises and equipment expense
  • $317Additional noninterest expense
  • $214Pre-tax net operating income
  • $0Securities gains (losses)
  • $4Applicable income taxes
  • $210Income before extraordinary items
  • $0Extraordinary gains - net
  • $210Net income attributable to bank
  • $0Net charge-offs
  • $210Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $31Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.94%Yield on earning assets
  • 0.62%Cost of funding earning assets
  • 3.31%Net interest margin
  • 0.50%Noninterest income to earning assets
  • 3.01%Noninterest expense to earning assets
  • 0.73%Net operating income to assets
  • 0.73%Return on assets (ROA)
  • 0.75%Pretax return on assets
  • 4.95%Return on equity (ROE)
  • 4.22%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 78,916Assets per employee
  • 3.65%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 14.76%Loss allowance to loans
  • 3.94%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 21.59%Net loans and leases to core deposits
  • 22.07%Equity capital to assets
  • 15.80%Core capital (leverage) ratio
  • 13.63%Tier 1 risk-based capital ratio
  • 35.99%Total risk-based capital ratio
  • Memoranda
  • $37Average assets
  • $28,607Average earning assets
  • $4,239Average equity
  • $26,621Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02085The Granger National Bank201 West Davilla, Granger, TX 76530March 08, 1920Full Service Brick and Mortar

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